Credit Portfolio Manager

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Position Title: Credit Portfolio Manager

Job Summary:
 

• Heads the Credit Support Unit, providing overall strong credit risk management which includes the proper evaluation of credit proposals, portfolio risk management, supervision & training of Credit Review Officers and Credit Evaluators. Scope of work covers accounts coming from Lending Units

Role Exposure:

• Supervises and reviews the analysis & evaluation of loan proposals from Lending Units using various credit tools/information/documents, ensuring an appropriate and holistic credit risk/mitigant assessment in determining the creditworthiness of existing and prospective borrowers.
• Ensures that account renewals, evaluation of prospective borrowers, evaluation of various other credit requests, and completion of reports, are done with quality and accomplished within the prescribed turnaround times.   
• Ensures that all credit risk ratings and classifications are assessed appropriately and in a timely manner, and that all credit proposals are accompanied by required documents and information in compliance with Bank policies.
• Ensures effective portfolio management; stays on top of the accounts, including regular and timely credit monitoring & escalation of issues/accounts that need urgent disposition/ attention to enable early problem recognition, and initiating remedial management efforts for non-performing loans or accounts showing signs of weakness.
• Ensures effective performance management of the team against set KRAs
• In coordination with our HRMG partners, ensures that the unit has an adequate supply of highly skilled personnel for future business and succession requirements through a well-thought-out people development/training and career strategy plans.
• Ensures readiness and compliance with the Bank’s Business Continuity Program.
• Handle any and all audit-related exercises in coordination with other business units (IBS, Credit Risk, Compliance)
• Partners with CRG-Secretariat, DCMD CRIAD, LEGAL (or with other relevant units) to ensure that proposals have the appropriate approvals, loan documentation process is in order and collateral/policy deviations are mitigated, among other things.
• Performs administrative duties and overall supervision of the Credit personnel.
• Performs other related functions that may be assigned from time to time.

Qualifications:

• Graduate of any Business- related courses, preferably Economics, Accounting or Finance
• At least 5 years working experience in credit with focus on commercial and corporate loans
• With People Manager experience
• Must have a pro-active approach to problem solving and the ability to meet tight deadlines

Other Details:

Rank: Junior Officer

Unit: Office of the President / Credit Group / Commercial Credit Division / Mindanao Davao II
Location: Davao Center